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BDI
CF

Choice Financial Group

Fargo, North DakotaFDIC Cert #9423

STATEEstablished 190618 branches

Holding company: CHOICE FINANCIAL HOLDINGS INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.45%
−15.5%y/y
Peer standing38th percentile
Peer standing in ubpr:primary:3
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in ubpr:primary:3
FDICP9ASSET + LNLSGR
Nonaccrual %
1.03%
+191.5%y/y
Peer standing23rd percentile
Peer standing in ubpr:primary:3
FDICNAASSET + LNLSGR
Noncurrent %
1.03%
+191.5%y/y
Peer standing26th percentile
Peer standing in ubpr:primary:3
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.52%
+124.2%y/y
Peer standing46th percentile
Peer standing in ubpr:primary:3
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$31.8M
+144.2%y/y
Peer standing36th percentile
Peer standing in ubpr:primary:3
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.09%
+487.3%y/y
Peer standing41st percentile
Peer standing in ubpr:primary:3
FDICNTLNLS + LNLSGR
NCO
$724K
+489.2%y/y
Peer standing42nd percentile
Peer standing in ubpr:primary:3
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.18%
−6.1%y/y
Percentile by value51st percentileby value
Peer standing in ubpr:primary:3
FDICLNATRES + LNLSGR
30–89
$13.9M
−16.5%y/y
Peer standing44th percentile
Peer standing in ubpr:primary:3
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in ubpr:primary:3
FDICP9ASSET
Nonaccrual
$31.8M
+187.9%y/y
Peer standing29th percentile
Peer standing in ubpr:primary:3
FDICNAASSET